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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
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Experience ConseQuest- A game where your decisions drive your future.
Personal Loan of ₹10,000
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Get ₹10,000 Personal Loan Online Instantly
When unexpected expenses arise, having quick access to funds can make all the difference. At Aditya Birla Capital, we offer a ₹10,000 personal loan online instantly, designed to meet your immediate financial needs. Whether it's an emergency medical bill, urgent travel plans, or other short-term requirements, this loan provides a fast and hassle-free solution for salaried individuals. With minimal documentation, easy application processes, and swift approval, you can get the financial support you need in no time. Here’s everything you need to know about getting a ₹10,000 personal loan from us.
Features of Instant ₹10,000 Personal Loan
Quick Disbursal
Once approved, the loan amount will be credited to your account within 24-48 hours.
No Collateral Required
This loan is unsecured, meaning there is no need to pledge any assets.
Minimal Documentation
Enjoy a simplified application process with minimal documentation required.
Customisable Repayment Options
Choose an EMI plan that fits your budget and financial situation.
Competitive Interest Rates
We offer attractive interest rates, making your loan more affordable.
Transparent Process
There are no hidden fees or charges; everything is clear and transparent.
Reasons To Get a Personal Loan of ₹10,000 from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹10,000. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹10,000 Personal Loan pocket-friendly.
Predictable EMIs
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Quick Sanctions
Get the funds transferred to your account within 24 hours of applying for the loan.
Facility to add a co-applicant
Adding a co-applicant to the ₹10,000 Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Interest Rates Available for
Personal Loans of ₹10,000
Find out the interest payable on the Personal Loan of ₹10,000 to plan your repayments effectively.
Loans up to 12 months| Loan Type | Interest |
|---|---|
| The Short Term Reference Rate (STRR) | 19.45% p.a. w.e.f.from March 1, 2024 |
Loans more than 12 months| Loan Type | Interest |
|---|---|
| The Long Term Reference Rate (LTRR) | 20.45% p.a. w.e.f. from March 1, 2024 |
Who Can Apply For a Personal Loan of ₹10,000?
Find out if you are eligible to apply for a ₹10,000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan of ₹10,000 In 5 Easy Steps
Visit the Aditya Birla Capital Website or App
Check Your Eligibility
Complete the Online Application Form
Upload the Required Documents
Loan Verification and Approval
Instant Disbursal
Upload the Required Documents
Loan Verification and Approval
Instant Disbursal
Eligibility Criteria for Personal Loans of ₹10,000
Are you eligible for a ₹10,000 Personal Loan? Check whether you meet the criteria.
Documents Needed
- Proof of identity and address Passport / Aadhaar Card/ Voter's ID / Driving License/ Job Card issued by NREGA / Registration certificate / PAN card (PAN Card only as identity proof)
- Proof of incomeSalary slip for the last 3 months showing all deductions and Form 16
- Bank statement where income is credited Last 6 months
- Proof of other income Last 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16
Eligibility criteria
* A higher age limit is applicable at the time of loan maturity.
Fees and Charges for Personal Loans of ₹10,000
| Charge Type | Amount |
|---|---|
| Cheque Return charges | ₹500 + GST per instance |
| Default Penal charges | 3% of the pending amount per month |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | ₹100 + GST per instance |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual, if applicable |
| Pre-closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual, if applicable |
| Part - Pre-Payment Charges | Charges:
A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure. |
| Foreclosure Charges |
4% of the Principal outstanding amount + GST
Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal. |
ABC Of Calculators
Your estimated EMI amount
₹ 0Total Interest
₹ 0Total Payout
₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
₹ 0*
BALANCE TRANSFER LOAN
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Reduced Interest Rates. -
Lower Monthly Payments.
TOP UP LOAN
- Easy application process
- Borrow up to 80% of property value
Different financial needs, different loans, one app - ABCD
For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.
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Range of loan options for different needs
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Quick sanctions and disbursals
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Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Housing Finance Customer
Belapur, India
Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.
For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.
The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.
FAQs on Personal Loans of ₹10,000
If you need more than a pre-approved Personal Loan of ₹10,000, you can check your eligibility and apply. If you are eligible for a higher loan amount, the loan will be sanctioned, and you can get more funds.
A ₹10,000 Personal Loan can be used for any financial need, both personal or commercial. Some purposes for which the loan can be used include the following -
• Medical emergencies
• Weddings
• Trips
• Business need
• Buying appliances
• Buying gadgets, etc.
The maximum tenure of a ₹10,000 Personal Loan is 84 months.
You need a minimum credit score of 750 and above to apply for a ₹10,000 Personal Loan from Aditya Birla Capital.
Yes, self-employed individuals can apply for a ₹10,000 Personal Loan if they meet the other eligibility parameters specified for the loan.
Aditya Birla Capital processes small Personal Loans quickly and sanctions the funds as soon as possible. You can get approval on the loan within hours.
Aditya Birla Capital does not specify a minimum salary to apply for the Personal Loan. You should have a steady source of income to qualify for the loan. So, if you meet the eligibility parameters and have a steady source of income, you can get the loan even if your salary is ₹10,000.
Yes, you can pay off the ₹10,000 Personal Loan early before the tenure of the loan. However, you can do so only once in the first year and only after the first 12 months of availing of the loan. Further, early repayment of a loan involves prepayment or foreclosure charges, which you should know about.
If you have credit card debt or existing loans, your loan application may be affected, as these will limit the maximum loan amount you can obtain.
You can contact the customer support of Aditya Birla Capital by calling 1800 270 7000 for questions regarding ₹10,000 Personal Loan. You can also leave your query online on the website or mobile app and a company’s executive will get in touch with you.
Yes, you can add a co-applicant to the loan. Adding a co-applicant increases your eligibility, and you may get a higher loan amount.
A high credit score can make you eligible for a discount on the interest rate because lenders usually charge lower interest rates if the borrowers have a high credit score.
The EMI of a ₹10,000 Personal Loan would depend on the interest rate charged and your repayment tenure. You can use the online EMI calculator to find the potential EMI of the loan.
Your income proof or Salary Slip is needed to establish the source of income and repayment capacity. Thus, you need these documents to get the Personal Loan of ₹10,000.
The loan process does not take long. Aditya Birla Capital processes and sanctions the funds quickly so that you can even meet your urgent needs without hassles.